About Harmony Smith

Harmony Smith blogs at CreatingMyKaleidoscope.com. She is a working mom of three who is fighting to pay off debt, so she can escape from her 9-5 job, and spend more time with her family. Harmony blogs about saving money, increasing her income with side hustles, DIY projects, and other adventures.

10 Ways to Save Money While Shopping at Whole Foods

Frugal shoppers may think they can’t keep food cost low and enjoy the health benefits of organic food. Whole Food Markets is known for its organic selections and carries some fairly expensive, higher-end products. It’s no wonder why many choose to shop elsewhere, but they are missing out. By following a few simple tricks, you can […]

6 Important Reasons to Avoid Store Credit Cards

One of my very first jobs was selling retail at a store in the mall. Working usually helps your finances, but that job was one of the causes of my issues with debt. It’s hard to resist buying new things when you spend the workday surrounded by advertising and sales displays. Self-control becomes even more […]

Best Online Training Sites to Get an Education and Grow [Video]

The internet continues to offer new and expanded opportunities for people all over the world. Over the past decade, there have been many advances that allow us to use the internet to become better educated. There are a number a platforms, often referred to as massive open online courses, that allow users to learn new […]

7 Solid Online Alternatives to Paying Hefty Cable Bills

When people are looking for ways to save money, one of the first suggestions they usually come across is to “cut cable.” The cost of traditional cable or satellite television continues to rise. Eliminating this monthly bill can have a considerable impact on your finances. However, you will probably still want to enjoy watching some […]

5 Savvy Tips for Saving Money on Your Next Trip to Costco or Sams

Warehouse stores have been around for years and have become a weekly shopping excursion for many suburban families. According to Wikipedia, 1983 marked the opening of Costco Wholesale and Kmart’s Pace Membership Warehouse (later sold to Sam’s Club). They certainly can be an attractive way for families to shop and save money. Why do you shop there? […]